Healthcare Benefits

  • Preparing for Medicare: What You Need to Know Before You Turn 65

    Most people spend decades saving, investing and planning for retirement. But one of the biggest financial decisions of your retirement years has little to do with your portfolio. Rather, it has to do with a government program, an important birthday and a deadline you really don’t want to miss. That program is Medicare, and you…

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  • A Fiduciary’s Guide to GLP-1 Coverage Decisions

    Why GLP-1 Coverage Matters GLP-1 weight loss medications, including Wegovy and Zepbound, are transforming the conversation around employee health benefits. These prescription drugs are popular with members who see them as essential for managing weight and improving health outcomes. Meanwhile, for health plans, they represent a significant financial challenge due to their rapid increase in…

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  • Important Updates to Affordable Care Act (ACA) Form Furnishing Requirements

    The Paperwork Burden Reduction Act (HR 3797) and Employer Reporting Improvement Act (HR 3801) were signed into law in the final days of 2024. Of importance, the Paperwork Burden Reduction Act now allows employers to furnish 1095-C forms to applicable members only when requested by the member, as long as the employer posts a notice…

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  • Fred Gard Named Partner at Conrad Siegel 

    Gard, a Consulting Actuary, works within the firm’s Health & Welfare division that provides consulting services for employers’ health benefit plans.

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  • ACA | Is the IRS going to fix the “family glitch”?

    The IRS has made a proposal that may help many families access additional ACA marketplace subsidies, and employers will predominantly be unaffected. If you are intrigued, read on. The IRS issued a proposed rule on April 5, 2022 to close a loophole in the ACA policy affecting subsidies in the ACA marketplace. Currently, a family…

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  • Medicare Renewals & Open Enrollment – More Treats, Less Tricks

    To many, the beginning of fall is marked by the change in foliage, the return of football season, and the arrival of cooler weather. But to a select few, the beginning of the annual Medicare enrollment process is lurking among the pumpkins.

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  • 5 Ways to Cut your Healthcare Costs

    Healthcare costs are a growing concern across the United States. But are you evaluating all of the ways to pocket just a little extra money and trim down some of your expenses? Below you’ll find 5 strategies you can try to make healthcare costs seem less daunting. Use in-network providers when possible An in-network provider…

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  • Investment Options for Your HSA

    What is the #1 barrier to early retirement for many? Healthcare! Health insurance is the main reason folks aren’t retiring as early as they otherwise would like to. While there are plenty of healthcare options (albeit pricey ones) for those on the brink of retirement, what can those that are 10+ years out do now…

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  • Your Health Savings Accounts FAQs

    Health Savings Accounts offer many advantages, but also require account holders to meet and maintain certain eligibility criteria. Here we will highlight some of the frequently asked questions, advantages, and requirements of Health Savings Accounts. Everyone’s situation is different, and individuals are encouraged to seek additional information from the resources mentioned below. Who is eligible…

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